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Viewing the 'Spending' Category

Interest, Tuition Funding & More

February 1st, 2017 at 05:51 am

We earned $79.08 in interest during the month of January. I hope to see that bump up a little now that more ($15K) of our money is invested at 2%.

I withdrew $4,750 from our daughter's Educational Savings account. That money will be used to cover most of her housing costs for the semester. She has $4839 left in her account. This is in a interest bearing account, so she is earning a little money on it each month.

Since it is officially payday today, I can say that I initially allocated $814 towards tuition. But I also didn't fund all of our usual everyday spending categories in YNAB specifically clothing and entertainment. That means I have another $100 to add to the tuition pot, and finally I decided that the electric bill (that really big one of $315) can actually be paid on our next paycheck on February 15. With those funds, funds saved from last few paychecks, the money from the ESA, and our tax refund, I am now only short $205.31!!

But as I'm writing this I'm also realizing that the books I bought my daughter for school have been allocated to that tuition category in YNAB. They were charged to my American Express card which I currently have 0% interest offer on. Therefore, I don't need to pay that off this pay period. That gives us another $153. Now I'm only short $48!!

I did realize that with my husband's travel reimbursement we might make a little money. It depends on how much he spends on food over what the per diem is. I think he will submit his request for reimbursement on Friday, and it should get paid within a week, maybe in time to pay the tuition bill! This would be a little less out of our savings that we would need to pay back.

I'm feeling much better about this huge tuition bill! I think I can likely shave $48 off our spending with some careful planning over the next 10 days.

I took our younger daughter back to Walmart yesterday to get more school supplies. ANOTHER binder, a 3 subject notebook, and dividers were required. We also bought a 4 pack of AAA batteries and a package of glue sticks to donate to two teachers. That was another $22. Why are office supplies so expensive? The 3 subject notebook was $4.24! The teacher did say they could use three regular notebooks, but my daughter did prefer the combined version for the easy of carrying around. I'm not going to make her sacrifice for a couple dollars.

Continuing Frugal

January 31st, 2017 at 08:42 am

I think we are continuing our version of frugal through mid February. That is when tuition is due, so I want to keep the spending to a minimum. My husband and I discussed greatly reducing our alcohol intake primarily for health reasons, but that would be very good on our budget. I will let you know how that works out.

I just ate leftover mushroom barley soup for lunch today. I pulled that out from the freezer. It was probably two servings, but I ate them both! So yummy and really not very caloric. I think I may be having soup all week, as I have a can of soup in the pantry and another soup in the freezer (Moroccan Lentil).

I will need to grocery shop today. I need apples and crackers for my daughter's lunch tomorrow. I made a list of other items to cover the rest of the week. I will buy today, but count the purchase as a February expense.

I checked our bank accounts this morning. The tax refund and my husband's paycheck are both pending for deposit tomorrow! I plan to redeem shares from my daughter's Educational Savings account tomorrow to cover a portion of the tuition bill. At this point we appear to be about $600 short of what we need. As I have said all along, I will use our regular savings to cover the shortfall and pay ourselves back. No loans for her or us this semester is the plan, and I'm sticking to it!

Oh, I saw this on the SA forum this morning. It's under freebies, but it is more about spreading kindness and love. Check it out if you are interested!

School Supplies & More

January 30th, 2017 at 01:58 pm

Today's big spending was on a binder for school. The cost of it was $7.21 with tax at Walmart. It wasn't the cheapest option. She chose one that she know will hold up for the semester. She is a bit hard on them!

My daughter's new debit card for her checking account arrived today. We have now activated it. She also deposited her two checks received at Christmas into her new account, using our mobile app. We also ordered checks. Luckily they just send 40 at a time now. I wonder how long it may take for her to use those up! The checks are free through our bank.

I ate leftover fried rice with tofu for lunch. I think I cooked the tofu just fine. I did use turmeric to color it, so it did remind me of having eggs in it. My daughter decided she didn't like the different texture of tofu with the rice though. Lucky for her we are just having pasta and broccoli for dinner which she does like.

We did go to the store last night and picked up several items, primarily cereal and milk. And two snacks. I think there was something else too. We spent about $14.

Oh, and I had to buy fuel for my van! I was literally on empty when we went to the grocery store. I only filled it up halfway primarily because the pump was VERY slow. I spent $20.02.

Isn't it hard to believe January is about over?

More Credit Card Rewards

January 29th, 2017 at 07:52 am

I redeemed $12 from our USAA Visa rewards. That money will be deposited in our checking account on Monday. I have designated those funds toward tuition, of course!

I plan to redeem rewards from our Chase Freedom account, but not until after the next statement closes which is on February 12. I will have already paid tuition at that point, but the rewards will help start building back up some of the savings accounts we have designated on YNAB. The thing I don't like about Chase Freedom rewards is that you can only redeem in full after you have earned $20. I currently have $21+ I can redeem. However, I expect with this next statement to have another $2. So I will wait and have that money added to the current balance and redeem in full, rather than have $2 I don't have access to if I redeemed now. We are going to stop using the Chase Freedom card for awhile, so there will not be any rewards accumulating in the near future.

We went to Panera for dinner last night. We spent $33.20. The movie tickets cost us $22.47. We enjoyed the movie, the meal and time spent with our daughter. After that spending our everyday funds account is down to $198. My husband needs to take $100 out for a work trip (reimbursed later) this week. So that leaves $98 for the next three days. I may need fuel, but I think we can get by with food on hand until payday on Wednesday.

The only spending that could come up is any school supplies my daughter might need to start the new semester. One teacher has already requested students bring ruler, calculator, spiral notebook and colored pencils. And I'm 99% sure we have all of those.

I think I'm going to keep myself busy the next couple days doing some cleaning around our house. That shouldn't cost me anything!

Refund Arrives Wednesday

January 28th, 2017 at 08:55 am

Our tax refund is scheduled to arrive in our bank account on Wednesday, February 1. I submitted them on Sunday, January 22. That is a pretty fast turn around! That $1497 refund is going straight to pay the tuition bill, which has been my plan all along.

I forgot to mention that I redeemed our Discover Rewards and had them deposited in our bank account this week. A whopping $3.37. I seem to earn the least amount of rewards from this card. We don't use it much, so I think I'm going to close it in my desire to keep things a bit simpler.

We are going to a matinee movie today. We are going to see Moana, which our daughter is interested in. We will pay $6 per person for admission. Afterwards we may stop for a quick dinner as our celebration of the first semester ending. It may just be Subway. I do have coupons there that expire tomorrow.

Tomorrow we will probably have fried rice for dinner. With tofu, which I have not made in years. Any advice for using it with fried rice? Do I just drain, cube it and add in?

Used The Rice

January 27th, 2017 at 07:18 pm

I used up the arborio rice this evening when I made mushroom risotto. I also used up the white cooking wine. Bonus!

I stopped at Walmart, after finally dropping off library books, and picked up the fresh parmesan cheese for the risotto. That was my only spending today. My husband picked up his usual Friday alcohol, although he did buy one less bottle. So that helped save another $10.

It's not particularly frugal but we may go out to dinner tomorrow night. Our daughter finished her first semester of her junior year this week, and it feels like our first free weekend where she has zero homework. We want to get out and celebrate!! I'm guessing she will chose something simple so it won't get too out of hand with the spending.

Payday is on Wednesday. We have $254. I'd be thrilled with at least half of that to apply towards tuition due February 12.

$20 Snowflake

January 26th, 2017 at 02:41 pm

I was surprised today to see a $20 credit on our credit card from Ooma. I thought I was going to get that last month, but when I didn't see it I figured the referral didn't pan out. But it did! That snowflake is going towards tuition.

I spent $6 on a soda, two avocados and chicken broth. I was going to make a mushroom risotto tonight, until I realized I didn't buy the parmesan cheese for it! To avoid another trip to the store today, I decided to just make fish and stuffed portobello mushrooms for dinner. And of course, we still have a lot of salad to eat as well.

I did some more sewing today, just because it made me happy. I'm focusing on feeling good rather than feeling bad. Part of that means doing things I like and avoiding the news and Facebook that make me feel bad. I've seen far too many people thinking their point of view is the only way to think, which leads me to see them as uncaring and unkind. That isn't how I want to think!! So avoidance is best at this point. I think all people have the ability to be kind, compassionate, forgiving, accepting and patient. And I'm going to focus on that as much as I can in the coming weeks and months.

Rising Stock Market Plus More

January 25th, 2017 at 04:40 pm

The stock market is up today! The Dow Jones Industrial Average even closed above 20K points for the first time ever. I checked out retirement accounts and today alone our balances rose $3,318! And we are up $12,981 since the beginning of January.

I am able to see my husband's LES (pay stub) for next week's pay. The change for withholding was made, but they don't seem to be showing the 1% increase to his TSP. This means his check was slightly inflated. It shows online that the payment is processing, so I guess I didn't meet the deadline to make that change for this month. Oh well, it will all work out.

I input my husband's net pay into YNAB. I figured out that I can add at least $815 from that check to apply towards tuition. I may pay our high electric bill AFTER the 15th of February, so I can apply the cash I set aside for it to tuition. Again, I'm trying to avoid taking any cash from savings, so it really is about cash flow and adjusting when I make some payments.

I spent $7.32 today on two things at Walmart and postage to mail two packages. I'm watching my fuel tank to see if I can't wait until Tuesday to fill up. That may be pushing it, but I will try.

Dinner was breakfast foods. I made pancakes for our daughter and I. My husband came home later than usual, so he made himself some eggs. Tomorrow we will finally use up the arborio rice when I make a mushroom risotto.

Soup, Sewing & Southwest

January 24th, 2017 at 06:30 pm

I ate soup two times today. That one is now gone. I have two other kinds in the freezer, which we will likely eat later this week. It feels like we are doing pretty good with the food overall.

I did my sewing today. I made two keychains and four little tissue covers. I put links to the instructions I used, if you are interested. I've made the key chains before. The tissue covers were new for me to sew, but they are super easy!

I heard from Southwest Airlines that they will refund the Early Bird fee I paid. This was for a flight that they cancelled when my daughter was trying to get back to school. That is $15 back in my pocket. I also read that Southwest Rapids Rewards program is changing a policy about transferring hotel loyalty rewards to their program AND allowing it to count for the Companion Pass. They have extended the grace period so they can count until March 31, 2017. We have started using our Southwest card again and are hoping to rack up enough qualifying points to make this possible. We have Marriott Rewards that could make this happen much easier. Now that I know the deadline, I may consider moving some of the rewards to help make this happen. Here is the post on Southwest's website.

I was tempted to run out for a couple things today, but decided they could wait. I will need to go to the post office tomorrow or Thursday to mail the gifts. I will pick up those few items at that time, thus saving some gas and time!

Although, I'm remembering I did spend some money today. I ordered an item for my daughter for her birthday in March. She gave the hint last week, and the item could run out...maybe. I decided since I had money in the birthday account to just get it done!

I also opened up a Youth Checking account for our youngest daughter today. I had to put in a $25 minimum deposit. I figure my daughter can write me a check to pay me back as a good way to start understanding check writing. I think she probably already knows, just hasn't actually done it herself.


Soup from the Freezer

January 23rd, 2017 at 06:46 pm

I thawed soup from the freezer for dinner tonight. I may have thawed a bit too much, but I will eat it for lunch the next few days. Tomorrow night we will have pasta with salad. Actually, I might have soup with salad, and just make the pasta for DH and my daughter.

My sister and mother's birthday's are fast approaching. My sister and I have an agreement not to exchange these last couple years. However, I'm thinking I may sew them each something. I noticed one of the lanyards I made for my sister was looking quite worn last time I saw her. I feel pretty confident I have fabric on hand that will work. Cost will simply be mailing the package, less than $3 each is my guess.

I sold some Box Tops on eBay! My net profit is $11.37. Actually a bit less, since I did put a stamp on the envelope. I'm also redeeming 300 points with Pinecone. That $3 should arrive in my PayPal account tomorrow. And finally, I have enough SB to redeem for a $5 Amazon gift card. I may just keep accumulating and go for a $25 Paypal cash, it depends if I find something on Amazon I need. Smile

Our tax returns were accepted. I'm going to log in tomorrow to see if the IRS indicates a date to except our refund. I know the site currently indicates 21 days or less.



Taxes, Tuition & More

January 21st, 2017 at 06:49 am

I was looking for our interest statement on Navy Federal Credit Union's website yesterday. I couldn't find it, or last years. Turns out they mail it to you, and it arrived in our mailbox yesterday afternoon. My husband's W2 was also available on the MyPay website, so that meant I could start working on our taxes! I am still waiting for one more interest form, but I do know the amount. It looks like we will get a $1497 refund. We couldn't quite claim the full American Opportunity tax credit, but we were very close, having spent $3813 in qualified expenses out of pocket in 2016. I do prefer to have a smaller refund, but I think I deliberately did this last year, knowing the refund could be used towards tuition in February.

Tuition and housing bill was forwarded to me by my daughter last night. The total is $10,426, which includes $4662 for room and board. The rest is tuition, fees and books after her scholarship of $7250. She is taking 17 credit hours this semester, so that inflates the bill a bit. And remember she is an non resident student. I'll write more about tuition and paying the bill in another post.

Yesterday, I bought a few groceries and some junk food. I spent about $15 on six items. Three will be used for meals, but we also bought ice cream, cookies and a diet coke! Ugh. That isn't frugal in the least, and definitely not healthy. And it was all my idea to stop because I suggested ice cream to my daughter.

We are going to the matinee of Hidden Figures today. The admission will be $16.50 for the three of us. I expect my husband will get something at the concession stand. I have $40 allocated in our entertainment budget, anything we don't spend I'm putting towards that tuition bill! Every dollar counts.

Tonight we will have fried rice for dinner. I have peas to add, since I bought those for the tuna casserole I made a couple nights ago. Today we will probably just have leftover pizza, pasta and salad for lunch. There is a lot of salad to use up!

I might write more about this later, but there was discussion of annual credit card spending on the forums. Our annual credit card spending for 2016 was $49,384. I'm not sure I have ever looked at the annual amount before. I'm not sure if that is good or bad. It's good as it is less than half of our gross income. And we didn't pay any interest to use those cards for spending. I'm guessing it is slightly inflated, because it includes my daughter's Europe trip.

Have you started your taxes? Do you know what your annual credit card spending is? What are you having for dinner?

More Food Used Up

January 19th, 2017 at 05:13 pm

I made tuna casserole tonight. We haven't had that in years! It came up recently when we had a friend over and my husband seemed very interested in having it after it was mentioned. I did have those two cans of tuna to use up so I bought the other ingredients to make it. Of course, now I have extra noodles and peas!

My husband made a lot of salad this week, and I haven't been eating as much of it as I should as I've been eating other leftovers. I'm starting to realize we buy more food than we can eat. I think he is starting to notice it too. I'm going to try to have a leftover night once or twice a week. And we do freeze extras with some frequency so that does help avoid food waste.

My daughter and I got our hairs cut today. Smile Cost was $30 with tip at Great Clips. I think I got mine last cut in November, but I sometimes go much longer. My daughter has a very short cut, so I'm taking her once a month now! A big change compared to getting her long hair cut two or three times a year.

A check for $26.40 arrived at our home today. It was from the overage charged by the oral surgeon when my daughter had her wisdom teeth removed. The check is payable to her! I paid, but I suppose since she is 19 they figured it was hers? I decided I would just send it to her though and she can keep it. She's a college student...probably can use the cash!



Electric Bill and Van Repair

January 16th, 2017 at 09:20 am

Our electric bill for last month showed up in my inbox last week. I was scared to look. The temperatures were much lower than normal for this time of year and the heat was running a lot. And yes, I did have Christmas lights on a few hours each night. Total bill is $315!! Last year it was $183. The highest in the last year was March at $257, with July in a close second at $253. I know we could reduce the heat, but it is very hard to get my husband on board with that in the winter as he gets cold very easy.

Today the van was in to look at the air conditioning again. They didn't find a leak, but found the relay was sticking. This was my theory of the problem last time it was in, but they said it was fine. It has been replaced for just under $79.

I leftover tacos for lunch. Tonight I will use the bone broth and the white kidney beans and chicken to make a White Chicken Chili. It's so yummy!

Still Eating It Up

January 15th, 2017 at 03:52 pm

Before we went grocery shopping today, I checked on our items we need to use up. We actually made very good progress last week. I will incorporate a lot of the items we still need to use up, including the rice, sour cream, the white kidney beans, 2 cans of tuna, and the Wasa crackers.

Our grocery trip included cat food for the rest of the month, paper towels, lotion, dish soap, toothpaste, bar soap, coffee, and generic Swiffer cloths. Our total was $168.87. The food total was $126.79. The food total is more than I would have liked, but we did include more meat this week. We really did use up a lot of things last week.

Unfortunately, we came home and realized we paid for several things that didn't get bagged and put into our cart! We didn't bring home the two boxes of generic Swiffer cloths, taco shells, cereal, and a bag of tortilla chips. This is nearly $12 worth of stuff!! The commissary is a bit of a trip (30 minutes or more), so I don't really want to make a special trip to complain. My husband will be on post on Tuesday, but I'm not sure he wants to deal with getting $12 back. Just frustrating!



We Ate Subway

January 14th, 2017 at 12:44 pm

We were out of town this morning. Our event ended around noon and we were hungry. The three of us stopped at Subway before we headed home. We spent $20.65. This is where our habits and lack of planning cost us money. I'm not really upset about it. If I were being truly frugal we would have prepared a lunch at home and brought it with us.

I have updated YNAB with payday funds. We had about $111 that we didn't spend during the first half of the month. I put that in the college tuition and housing bucket. After allocating for regular investments, bills and spending categories, I had almost another $1700 from our current paycheck to put towards tuition. I now have $2935 set aside. I need about $4K total, so I'm still short. I think I can get pretty close on my husband's next paycheck. And since we do have cash, I can actually pay it and then repay ourselves once we do have funds.

Tonight for dinner, we are having fried rice with some of that chicken I made earlier in the week. We have some salad to finish as well. I need to make my meal plan for next week so we can get our grocery shopping done tomorrow! I hope to incorporate some more rice and some soups into our plan.

And Now It's 70+ Degrees

January 13th, 2017 at 12:01 pm

Heatwave! It's over 70 degrees here this afternoon. My husband is off work today for the holiday weekend. He decided it was time to wash the van (he did the truck two days ago). On his outing to do this (and spend $20!!!) he realized the air conditioning was not cooling. We now have an appointment on Monday. It has been in sometime in the last few months for this problem and one of the things they did was add a dye so that if it did stop working again it would help them find the leak. So fingers crossed this isn't too big of an expense!

We did talk about going to a movie today, but in the end we skipped it. I'm kind of glad since he wanted to spend the money washing the van. We don't wash our cars that often now that we are not in an area putting salt down on roadways too often. My husband does want to protect them so they last us a long time. A small investment, although he really could do this in the driveway! I pick my battles.

Despite the long weekend, so far my husband has avoided picking up alcohol. I mentioned I didn't want to drink much, if any this weekend, so that may be a factor. We do have my daughter's friend over this evening, and I need to be the driver to get her home. We might save a little money if we can avoid drinking most of the nights this weekend.

I pulled some more food out of our storm supplies. Non perishables that I will want replenished this summer anyway. I wanted a couple snacks for the girls if needed. I think this friend may be in one of those homes that is considered food insecure. Frown I want her to fill up while she is here if she wants to. It is a long weekend away from school.

And I made a mistake with some of my daughter's books. I sent them to ME, rather than her!! They arrived this afternoon. Luckily she is not in need of them right away. I probably could have reordered and then returned the ones that arrived here, but instead I ran to the post office and got them sent off Priority Mail. That cost me $13.45. An oops expenditure!

I'm just 70 Swagbucks away from getting a $15 Amazon gift card. Once it arrives I'm going to order my daughter's allergy medicine. She takes Zyrtec nearly daily, so we stock up once a year. The cost is just $15.99.

I finished the chicken salad I made yesterday. I had it as a sandwich. We are definitely going to need to get to the store soon. Our stash of food is dwindling. There are still things that need to be used up, but we need other things to go with them. I will be sure to incorporate many of them into my meal planning for next week!

Spring Cleaning

January 12th, 2017 at 10:25 am

It feels like spring here in the Southeast. It was nearly 60 degrees this morning. That made getting my walk with my neighbor in very nice! I've already been doing some deep spring like cleaning; I can actually open the windows today while I'm doing it. I've been very behind in dusting.

I ate my black bean salad for breakfast with half an apple (the other half was rotten). I decided to make chicken salad, rather than tuna salad for my sandwich at lunch today. The chicken will need to be used, and the tuna can wait for later! Oh, and I ate the leftover tomato soup from the freezer with the sandwich.

My daughter is having a friend over tomorrow night. This friend is moving away in a couple weeks and her birthday is today. I think we will make homemade pizza. I only need more pepperoni and that is far cheaper than picking up pizza for take out. We also may make a cake or cupcakes. I may go the box mix route on that, as I think I've only made cake from scratch once. I don't want to ruin this girls cake! The cost is minimal anyway.

I have ANOTHER book to buy my daughter! I really think this is the final one. This one was $64, luckily she didn't need this until Monday so with Amazon Prime it should arrive on Saturday.

I need to do financial upkeep this weekend. Primarily, I need to figure our new withholding and how we really are going to do our retirement investment this year (instead of Roth's we may go Traditional IRA route or add more to my husband's TSP). And I also need to decide on that 2% CD with Navy Federal Credit Union. I think I only have until Tuesday to decide!

More Books!

January 11th, 2017 at 05:01 pm

My daughter emailed that she needed me to order more books from Amazon. I know I thought of doing this while she was home, but she has had good luck with the book store and their rental prices. That has not been the case this semester. I rented one and two others had to be bought new. She will have those on Friday. Those three books cost us $71.86. Hopefully she may want to resell the ones that were not rented so we can get some of those funds back.

I went to Home Depot this evening thinking I had a gift card with a balance on it. I figured I would buy a couple cleaning products with the funds. Turns out it had nothing on it! I'm a bit perplexed that I would keep it if it had no funds left on it. In the end about $8 for the cleaning supplies. I'm kind of in a spring cleaning mode this week here at home!

I'm making bone broth for the first time with that chicken I roasted yesterday. It's going to simmer a full 24 hours or maybe a little more. I look forward to tasting it tomorrow. I used up some carrots, celery and onion to get that started.

I ate the last of the barley for breakfast. Forgot that I was going to add the strawberries though. For lunch I ate the Boca burger with a salad. I used a little feta cheese on the salad, and used more of that in a black bean salad for dinner tonight, which also used up the can of black beans and part of the red onion.

Tomorrow, I will probably eat the black beans for breakfast. They are even better the second day! Then for lunch I will have tuna salad (with red onion) sandwich with the tomato soup from the freezer. In the evening we will have chicken, couscous and possibly more salad! I'm going to cube or shred the remaining chicken for soup or tacos and freeze it. (Did I say that in my last post? If so, I guess I went for simpler tonight since my daughter had a flute lesson!)

I received an email from NFCU that there is a 17 month certificate paying 2%, up to $50K. I'm tempted to put some more in, but I'm starting to have a lot of our cash in CDs and I don't really want to tie it up, although I don't know when we would need it during that time period. We have a least 17 months before another move.

Roasted the Chicken

January 10th, 2017 at 04:48 pm

We haven't spent much in the last couple days. My husband filled up with gas, but needed to after a 3 hour car round trip in the car to take our daughter to the airport last night. She made it back to school, only missed one day of classes. The first day...which she definitely wasn't thrilled with! Oh, and he also spent $8 to buy her dinner before she flew out.

I ordered one of her books online from Amazon today. The bookstore was completely out. She's renting it. I had credits with Amazon to cover the whole thing, so no out of pocket costs on that one.

I roasted the whole chicken I had in my freezer tonight. I put it in late this afternoon, with no expectation to have it for dinner. We will have the breast meat for dinner tomorrow night. Then I will cut the remaining up and portion it to freeze for other meals. I think I have a plan for a couple meals to use it with but I'm not remembering those at the moment! Oh, I am going to make bone broth with the bones tomorrow, that will use up the celery.

I have cooked all the remaining barley. Most of it was used in the mushroom barley soup I made for dinner tonight. We now have two servings of that soup left. I used some of the barley to eat for breakfast. I ate one portion this morning with cinnamon and a little sugar. Tomorrow I will eat it with some frozen strawberries (that I will thaw). I finished the romaine lettuce, the frozen banana and frozen blueberries today at lunch when I made a smoothie. I added chia seeds to that smoothie also. Last night we finished the fettuccini noodles and my husband ate more of the turkey bacon.

This pantry stuff is harder than it looks! I feel like in some cases I use something up, but then have leftovers which I then need to incorporate into a meal for someone...and often that is me. I definitely don't need to buy anything for my own lunches for awhile. There is plenty here!

I do expect a small grocery run in the next day or so. We should have bought tortillas, and I remembered we didn't get the fish I wanted (to have with rice) because the commissary had not yet restocked when we were there Sunday morning. They had been closed on Saturday due to weather, so not everything was put out.

I feel pretty good about how we are using up this food that I bought and should have made a plan for! The whole chicken was going to be for Christmas, but with Riley (our cat) ill and dying, I just didn't have the energy to do it. (We had to put her down on December 27th, so the days prior were tough).

Commissary Run

January 8th, 2017 at 10:43 am

We were snowed in yesterday, after a miniature ice storm hit the area. I think we could have been out, but they way these southerners drive during bad weather makes you want to stay in! The weather did cause my daughters flight schedule for today to be cancelled. Apparently the airline can't get the gate area clear enough! So she will miss the first day of classes and arrive back to the dorm late on Sunday night.

The commissary was closed yesterday and our normal shopping day is Sunday. I expected to see shelves that weren't stocked. I was partially correct. The bread was stocked, but the chicken (which I didn't need) and the lettuce were not stocked at all. Very bare shelves in those areas.

I'm making a point to use up what we have in our pantry, freezer and fridge. I'm about to take out the whole chicken for thawing, which I hope to use in several meals later in the week. I have eaten the last clementine orange. I ate another english muffin, and used up last week's salad with the balsamic dressing. Tonight we are having BLT sandwiches to use the turkey bacon, and some of the romaine lettuce. I also had two tomatoes to use that I don't think made it on the original list.

Our total bill at the commissary was $100.66. We did buy some cat food, laundry detergent, dishwasher detergent, contact lens solution, and vitamin C packets. The actually food portion was $66.76!

I told my husband I was making a point of using some things up, but he surprised me and didn't get asparagus for his salad, chips, crackers or tortillas which always seem to end up in the cart! I think we both know we have been overeating. If we don't buy the junk we won't eat it.

After recording the grocery spending in YNAB, we still have $125 left! We may need a couple things before the 15th when we shop again, but I expect we may be able to put those extra funds towards tuition.

Riley Update & More

December 26th, 2016 at 11:37 am

Our cat Riley has cancer. I was actually told this on Saturday, but because of the veterinarian's thick accent, I didn't hear that part. We spoke to him again today in person to get it all cleared up. She is drinking and using the litter box. Her desire to eat is very low. And unfortunately she is vomiting some of it up once a day. I think I mentioned before that she weighs less than she did three months ago.

Our vet costs this month have amounted to $829. We aren't going to do much more for her. She is 9. We will keep her comfortable, until it's time. She still has some energy to play a bit, and gets up to change where she sleeps and use the litter box.

We are traveling for a few days coming up. I'm attempting to find boarding, but expect my neighbor may end up helping instead. She is actually willing to deal with an ill cat! I feel blessed.

In other news...we finally exchanged our more expensive cable box for a digital adapter. This saves us $10 a month, and provided a $6 credit on our next bill. I think the smaller adapters use less energy too, so we might see a little savings.

And finally, today we went shopping. So unlike me the day after Christmas! My younger daughter needed jeans, a pair of khaki pants and pajama pants. It had been two years since she had purchased some of these things so it was time. We were able to get everything in two stops. I spent $79 at Kohl's and $20 at Target for 7 items.

I may not check in here until around the new year. I hope everyone enjoys the rest of 2016.

Riley Not Eating Again

December 23rd, 2016 at 02:01 pm

Our cat Riley that we took to Urgent care last week is not improving. She ate for several days, but as of today she isn't eating again. We were at our vet today. They took an xray. There is something they can see (a mass) that they can't define, so that is going to radiology to read. It is unknown when that will get read, maybe by Monday. Riley did not like the vet palpitating her abdomen at all.

In the meantime, more fluids were given. And we were given high protein/high energy prescription food to try. And some oral vitamin gel.

Another $400+ spent and I'm not so sure what to think. If I can't get her to eat there is going to be a problem and we may end back up at Urgent care. And then how much care do we continue?

It's pretty stressful to say the least!

Snowflakes

December 20th, 2016 at 04:35 am

I'm trying to focus on snowflakes to keep me positive rather than focus on all the money going out. Of course, I'm not ignoring it.

Money going out includes the unexpected expense of the vet visit on Saturday which was $385. And today we have our truck in for 90K mile maintenance. I guess for everything they are doing it will be $750! I only have $100 set aside specifically for car maintenance as I thought we only needed an oil change and tire rotations. Bad planning on my part. We do have the cash, just need to move money around on YNAB.
Tomorrow we have appointments for passport application, including photos. That will be $450. I did set that money aside.

The snowflakes are minor in comparison.

I did get a $15 credit from Southwest for the Early Bird that my daughter didn't get the advantage of on her recent flight because of cancellation and rebooking. I was thinking $30, which is what I paid, but half of that is for the return flight in January.

I earned $3 from Pinecone. I'm currently having it transferred to my PayPal account.

My husband is home today. I'm hoping to have him call (his name is the only one on the account) the cable company and change out our set top box for a digital adapter. We don't have the channels anymore that required us to have it. And that has been a year, and we can save about $10 a month by making that change.

I had ordered my daughter three pairs of jeans from Kohl's and had them mail to her dorm. She only liked one. We are returning those today. We may order another one of what she liked. If we return both I will have nearly $80 back in our account, or $40 if we order another pair. We will try to find a pair in the store, but I'm not confident that will happen.

I have close to 1000 Swagbucks in my account. I earned $20 in Amazon gift cards this month, and will probably accumulate more before I cash out again. I'm not spending a lot of time on it, but it does add up!

I'm making myself a note that I want to try to figure out how much I accumulated in snowflakes this year. It won't be exact, but more like a ballpark figure.

Do you have any recent snowflakes?

Ill Cat

December 17th, 2016 at 09:58 am

My youngest cat (9), her name is Riley, is ill again. She was sleepy, and vomiting yesterday. She definitely had not eaten since the day prior. And the final straw was when I checked on her this morning she hopped off the bed to use the litter box and there was a tinge of blood in her urine. We went to the urgent care vet this morning to make sure to be seen right away.

They did blood work which I'm very happy about. Overall it looks like an infection, probably urinary (bladder wasn't full enough to do a sample). There were some low numbers, but nothing that would be unusual or worrisome at this point. Although her weight is down about two pounds since September, so that isn't so great!

They gave an antibiotic injection, sub fluids, and an anti vomiting med in the office. We were sent home with instructions to get her to eat and give an oral antibiotic starting this evening. If she doesn't eat by morning she needs to go back in the morning.

Just now, about 2 hours after the return from the vet I was able to get her to eat 1/8 to 1/4 tsp of wet food. I find that very promising and will keep attempting to get her to eat more. I'm sure she will likely continue to feel better as the day goes on.

Riley is a cat that is gets very stressed. I think our last trip over Thanksgiving was probably not helpful to her health. Now I wish we didn't have another one coming up!

The cost was around $385. I told my husband that if it cost less than $500 I would be happy. I just want my cat to feel better! Our oldest daughter who is most bonded with this cat arrives home tonight from college. My worst fear this morning was that she wouldn't get to see the cat if it was something really bad. I haven't told her yet, as I don't want her to worry about it while she is flying.

Unfortunately someone brought a very lethargic cat that hadn't eaten for two days in while we were there. I believe that cat was euthanized before we even left ourselves. So sad!

Our plan going forward is to start feeding all wet food for our cats. My only issue is figuring out how much I should be feeding them. I asked the vet and she brought me a website to look at. This is my biggest frustrations with vets...they NEVER tell me now much to feed them. I've read instructions on bags of food that have helped some in recent years. So I have some research to do.

I know many of you have cats. If you feed wet food, please tell me what you do for your cat and how much your cat weighs. And if you have two cats do you feed separately?

Oh, and I was able to put the charge on my American Express card which I have 0% interest for the next 6 months. I'm going to pay that later from income rather than pulling from savings. At least that is the plan now. I may want to just get it paid. This looming tuition expense is messing with my planning!

Bills Paid, A Little Spending

December 15th, 2016 at 06:13 pm

I paid our credit card bills off in full and allocated funds to our budget categories for the rest of the month. I feel like I didn't save much as I was putting extra aside to cover hotel, eating out and fuel on our little trip to Nashville later this month. I hope we spend less than I budgeted!

I spent $18.75 for shipping a Large Flat Rate USPS box. I printed the label online and will drop the package off tomorrow morning. So much easier than standing in line this time of year!

I also bought a new filter for our refrigerator and a 2017 wall calendar off Amazon today. I had $20 in Amazon gift cards that I earned from Swagbucks this month. My final cost was less than $3 and I paid it with my Discover card to get 5% cash back (which will be sooo much in this case).

I did a lot of desk work today. I cleaned up my email inbox. I keep emails as reminders, so later I need to go back and delete them when they are no longer relevant. I consolidated some lists, and then started new ones! As the year winds down, I'm starting to make appointments for the new year, as well as saving documents for taxes.

I think tomorrow's spending will be limited to my husband picking up the weekend alcohol. We were already gifted a bottle of German wine to add mulling spices to, however, I think we will save that for Christmas.

The first of the month has been limited spending and it did help to use up some of the food we hadn't been getting used up. So in addition to meeting a financial goal, it has helped our kitchen food clutter.

$32

December 14th, 2016 at 06:28 am

I spent $3 at Dollar Tree yesterday on two stocking stuffers and some tea light candles. I am done gift shopping!

Two of us went to a high school basketball game last night. Admission was actually $7 each, rather than the $6 I had been told.

We are still within the budget I planned through today. Tomorrow is payday, so I can reallocate funds. I don't anticipate any spending today. I'm staying in and getting the presents that arrived in the mail wrapped, along with some cleaning. Dinner is already planned and bought.

I will put the extra $32 towards our upcoming trip to Nashville.

$74

December 13th, 2016 at 04:30 am

The only spending yesterday was my husband's haircut and tip. He spent $13.70. As a soldier he gets his hair cut every two weeks and he tips generously. I think $4 of that is a tip! He's always been a generous tipper, and it used to bug me, but I've come to terms with it. Why should I be the one to squash his generous spirit?!

We are getting passports next week. I discovered last night that we don't have a certified copy of my husband's birth certificate. I'm shocked! I looked through a lot of paper (and I became aware of how much we have that we could still get rid of) We do have two copies of it, but not the ones with the raised seal. So I'm going to send a request for one to the county of his birth. That is $17 to the county. I'm going to send it Priority mail, which will be $6.45. I'm also hoping I can purchase a prepaid Priority envelope so the birth certificate can be sent back the same way. That will add another $6.45 to the cost, for a total $29.90. This definitely was not an expense I was expecting this week.

We have $74 before the birth certificate and postal costs. I think we are going to see a high school basketball game tonight. Depending how many of us go, it will be $12 to $18 for admission.

Only two more days to go on our limited budget!

$88

December 11th, 2016 at 06:09 pm

Friday's spending was on a few grocery items and alcohol. I'm not a fan of how much we spend on alcohol. I'm sure it could be far worse. Total between those two runs was $55.

The only spending on Saturday was for a soda. We stopped into a gas station to use the restrooms. We also make a point to buy something in exchange for the convenience. Total spent $1.59.

Today our spending was on laundry detergent and groceries for the week. Grand total was $95. I did make a point to plan simple and frugal meals, so that did help keep the spending low.

So now we are left with $88 budgeted until payday on Thursday. My husband will probably need fuel and a haircut this week. There is plenty to cover both.

Used Airline Points

December 7th, 2016 at 10:23 am

I just purchased a roundtrip ticket for my daughter to come home for Christmas. And I used Southwest Airline tickets to cover the whole thing! I did have to pay that small Federal fee, but that amounted to $11.20. It is kind of nice to get that benefit once in awhile. I may need to start using our airline rewards card a little more often to rack up the points faster.

In other news we are traveling to Nashville to see my daughter's band march during the half time show for their bowl game. She needs to get there anyway, so thought we would drive and enjoy the game and city ourselves. We have paid $200 for tickets and parking, and the hotel for 3 nights is just under $500. I have Marriott points, but because it's a busy time for hotels, the points needed are outrageous! So we'll just earn more points.

So...my husband and I are going to make the trip our Christmas gift. We were looking at buying new speakers at the cost of $400, but we decided that can wait. Likely we can buy those in the spring, after we have paid tuition.

I'm looking to accumulate some Swagbucks to earn Amazon gift cards to buy some needed items, such as razor blades. I figure every little bit helps the bottom line.

And I'm grateful once again to be a renter. The disposal is leaking and likely needs to be replaced. So the plumber is coming to take care of it and it won't cost me anything! I am annoyed that the landlord asked us to call instead of doing it himself!

Staying Out of Stores

December 6th, 2016 at 02:15 pm

In the last few years, I have done less and less shopping in stores. And this counts for Christmas, too! It is amazing how much less I spend when I avoid the stores. The displays are so tempting and inviting and there is ALWAYS a deal. The less I am in the store, the less I spend. It is directly correlated based on my own experience.

I think not having the newspaper coming to our door, reducing our mail and catalog delivery, and unsubscribing myself from store email lists have also made a difference.

Target is one of my favorite stores. I honestly love nearly everything about it! Before we moved it was my primary grocery store. I scanned the ads almost religiously and inevitably found something in the ad that was a good deal so I'd add it to the list. And honestly, it was usually something we would use. However, we didn't always need it right then. I could have probably waited for the next sale. And during this time of year it was easy to add some of the deals to my gift list just because why not it is so cheap!

Now that I shop online, I feel I'm a little more aware of what I'm buying. I'm not entirely sure why that is. It may be simple because I have a list, I find the item, add to cart and checkout. It's easy to do that on specialty sites and Amazon. If you are trying to meet a threshold for free shipping, then you are likely ending up with more than you need.

I did have to shop for a couple items in the stores, primarily for stocking stuffers and my nieces gifts. The nieces gifts were themed and had a lot of different things to them, so that meant going to different places. I'm hoping to avoid that next year!

So far our out of pocket cost for Christmas gifts is just over $500. I budgeted $600, so we are right on target!

Do you shop more online or in stores? Do you spend less if you stay out of the retail stores?


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